Oh and if anyone needs a stand up Realtor let me know; he is a retired military veteran too. I also have a mortgage company that is pretty good with the VA loans. Not sure if all Veterans know, but there is a loan program thru the Texas Land Board (TX Vet home loan) that actually has a lower interest rate than the regular VA home loan guarantee program. The TX Vet loan still uses the traditional VA loan benefit with a lower interest rate, but it does have two separate 1% fees for the TX Vet loan program. Right now the TX Vet rate is 4.58% and 4.08% for disabled Vets at 30% and higher. The TX Vet loan rates only change once a week, every Friday at 5pm. The VA home loan doesn't have a set interest rate and is set by the lender. So when looking at VA home loans be sure to do the numbers on both programs and chose the best one.